What is this charge?

Yes. It is free, with no account and no sign-up. You confirm an email address only to have the unclear charges named and to see the full list; the code is the only mail unless you ask for more.

No. You download a statement from your bank yourself and drop the file on the page. Yavo never asks for your bank login.

A CSV or Excel file never leaves your browser: a script on this page reads it, finds the charges that repeat and the ones it cannot name yet, and shows you the result. A PDF goes through our server, because a browser cannot read bank PDFs well, to Google's Gemini AI, which reads its pages. We never store the file. Google keeps the pages up to 55 days for abuse checks only, and does not train on them. Closing the tab clears the page, but not what we receive after you confirm your email, see below.

Your address, and the statement text of the unclear charges, without amounts, dates or anything else from the file. Google's Gemini AI reads that text as our processor to name each charge, keeps it up to 55 days for abuse checks only, and does not train on it. We keep what a statement text means for the next person who asks, never who asked. We also receive the list of subscriptions found (names, amounts, how often, next dates) and keep it on our server for up to 7 days so the Yavo app can import it, then delete it. If you ask for the report mail, we send the same list in one mail, and its Open in Yavo link keeps a copy of its own, deleted the same way. That request also carries your unclear charges as your bank printed them, with amounts and dates, and the price rises, so the mail can list them, and we do not keep any of that. We keep a keyed hash of your address and of the code for at most 10 minutes, and hashed request counters for at most 3 days, to stop abuse.

From a catalog of businesses and the text they put on statements, built from public sources and from processor rules (Square writes SQ *, Toast writes TST*, PayPal writes PAYPAL *). When a text is new to us, Google's Gemini AI looks it up for us from the statement text alone, and we keep the answer. Each answer says sure, likely, or that we could not tell. We never say a charge is fraud: a statement cannot show that.

The statement text matched a business, but not closely enough to be sure: a short name, a city that fits several places, a processor code with little after it. Check the receipt email for that day and amount; if nothing matches, follow the dispute steps on the row.

First the receipt email for that day and amount, and the apps you used that day: many businesses bill under a parent company's name. Then call the number on the back of your card, give the date and the amount, and ask about the charge. The bank can tell you who took the payment and open a dispute if you want one.

CSV and Excel (.xlsx) files up to 10 MB and 30,000 rows, and PDF statements from US banks and cards. Older .xls files, password-protected files, scans and photos do not work.

The same subscription charging more than it did before. We show the old and the new price and what the difference adds over a year.

Charges from Apple and Google Play show up as one line, for example APPLE.COM/BILL, with no app name. Check the subscription screens on your phone: on iPhone, Settings, your name, Subscriptions. On Android, Google Play, your profile, Payments and subscriptions.

Cancel with the company that charges you, in your account on its website or app. Subscriptions billed through Apple or Google Play are cancelled on your phone. Each row we recognise links to the cancel page or says where it is. Yavo does not cancel subscriptions for you.

In the app. Yavo reminds you before each subscription charges again, and after the email step Open in Yavo puts the subscriptions found here into the app, ready. This page sends no reminders: the code and, if you ask for it, the report are its only mail.